The best way we recommend to find low-cost prices for car insurance rates is to annually compare prices from different companies who sell auto insurance in Oakland. Prices can be compared by following these guidelines.
First, learn about car insurance and the modifications you can make to prevent expensive coverage. Many rating factors that result in higher prices such as high-risk driving behaviors and a poor credit score can be amended by making lifestyle changes or driving safer.
Second, request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from one company like GEICO and Allstate, while independent agencies can provide price quotes from multiple insurance companies.
Third, compare the new quotes to the premium of your current policy to see if cheaper G6 coverage is available in Oakland. If you find better rates, make sure there is no coverage gap between policies.
One tip to remember is to try to use identical coverage information on each quote request and and to get price quotes from as many companies as possible. Doing this guarantees a level playing field and a good representation of prices.
It’s hard to fathom, but almost 70% of insureds have remained with the same insurance company for well over three years, and virtually 40% of consumers have never quoted rates to find cheap coverage. Many consumers in California could pocket almost 35% a year just by comparing rates, but they don’t believe how much money they would save if they changed companies.
These techniques will let you in on how car insurance quotes work and also save some money in the process If you currently have a car insurance policy, you should be able to cut your premiums using the concepts covered in this article. Consumers only need an understanding of the proper way to compare different rates from multiple carriers.
The majority of larger companies allow you to get coverage prices on their websites. Getting quotes for Pontiac G6 insurance in Oakland is quite easy as you just enter your required coverages on the page. When complete, the system automatically orders your driving record and credit report and gives you a price quote determined by many factors.
This helps simplify price comparisons, and it’s also necessary to get many rate quotes in order to find the cheapest price possible.
In order to find out how much you can save on insurance, compare quotes from the companies shown below. If you have a policy now, it’s recommended that you enter the coverages as shown on your current policy. This makes sure you will have a fair comparison for exact coverage.
The companies shown below have been selected to offer free quotes in Oakland, CA. To buy cheap car insurance in California, it’s highly recommended you get prices from several of them in order to find the lowest rates.
Rates and data analysis
The rate information displayed next highlights a range of rate quotes for Pontiac G6 models. Having a better understanding of how insurance premiums are formulated is important to be able to make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $182 | $354 | $464 | $28 | $138 | $1,166 | $97 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Information does not factor in the specific area where the vehicle is garaged which can decrease or increase coverage prices significantly.
How high should deductibles be?
When comparing insurance rates, the most common question is which comprehensive and collision deductibles to buy. The data tables below can help you visualize the rate differences when you choose different physical damage deductibles. The first data set uses a $100 deductible and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Table data does not factor in your specific Oakland location which can alter auto insurance rates noticeably.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you roughly $43 more each month or $516 for a full year averaged for all G6 models than requesting the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 21 months between claims, you would save money if you elect the higher deductible.
The example below highlights how deductible selection and can change Pontiac G6 annual premium costs for each age group. The premium estimates are based on a single male driver, comp and collision included, and no additional discounts are factored in.
Accidents and violations increase rates
The chart below demonstrates how speeding tickets and accidents can increase Pontiac G6 car insurance costs for each age group. The rate quotes are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.
Comparison of insurance rates by gender and age in Oakland
The chart below compares Pontiac G6 insurance costs for male and female drivers. The rates are based on no claims, a clean driving record, comprehensive and collision coverage, $500 deductibles, single marital status, and no policy discounts are applied.
How Insurance Providers Determine Pontiac G6 Insurance Rates
An important part of buying insurance is that you know some of the factors that come into play when calculating the rates you pay for car insurance. When you understand what determines base rates, this enables you to make decisions that can help you get lower premium levels.
- No car insurance policy gaps is important – Allowing your car insurance policy to lapse will be a guaranteed way to bump up your car insurance costs. And not only will insurance be more expensive, getting caught without coverage might get you fines or a revoked license.
- Safer occupants lowers car insurance rates – Safer cars can get you lower premiums. Vehicles built for safety reduce the chance of injuries and fewer injuries translates directly to fewer claims and thus lower rates.
- Prices are affected by your address – Residing in less populated areas of the country has definite advantages when talking about car insurance. Fewer drivers means fewer accidents and also fewer theft and vandalism claims. Residents of big cities regularly have much more traffic and longer commutes to work. More time on the road can result in more accidents.
- Save money with higher physical damage deductibles – Protection for physical damage, also called ‘full coverage’, protects your Pontiac from damage. A few examples of covered claims are a dented fender, damage caused by hail, and windstorm damage. The deductibles are how much you are required to pay before a claim is paid by your company. The more money you pay before a claim is paid (deductible), the lower your rates will be.
Why you need insurance for your vehicle
Even though it can be expensive, insuring your vehicle is required in California but also provides important benefits.
First, the majority of states have minimum liability requirements which means it is punishable by state law to not carry a specific level of liability insurance if you don’t want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you have a lien on your vehicle, more than likely the lender will require that you have insurance to ensure the loan is repaid in case of a total loss. If the policy lapses, the lender may insure your Pontiac for a much higher rate and force you to pay a much higher amount than you were paying before.
Third, car insurance preserves both your Pontiac and your assets. It will also reimburse you for all forms of medical expenses for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, will also pay to defend you in the event you are sued. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.
The benefits of carrying adequate insurance definitely exceed the cost, especially for larger claims. According to a recent study, the average American driver overpays as much as $830 a year so you should quote and compare rates at every policy renewal to be sure current rates are still competitive.